But half of the things you mention directly relate to the part of the article that stated "This is an issue of behaviour and choice," . . . "People can choose to alter their behaviour, can choose to go to the gym more often -- these are choice things."
I understand your comment. Just remember with that kind of logic as an example: If you drive tomorrow, and God forbid,you have an accident that's your fault (lot$ of damage and injury), then your decision to drive tomorrow is a good enough reason for no insurer to ever cover you as a driver again in your lifetime. It was your choice to drive, right? Your mistake is good enough for denial of coverage forever, right?